Browser Compatibility: For the best experience on our website, please upgrade to the current version of CCBot. Click here to learn more.
MSUFCU | Personal | IRAs & HSAs

Individual Retirement Accounts (IRAs)


MSUFCU has the long-term savings options to help you save for retirement, higher-learning, or health care expenses. View current dividend rates.


Coverdell Educational Savings Accounts, Health Savings Accounts, Traditional IRAs, Roth IRAs, and SEP Plan IRAs are insured for an additional $250,000.


A Traditional IRA allows for tax deferred growth of contributions and earnings to be tax deferred until you withdraw them at retirement, when you may be in a lower tax bracket. Contributions can be made if you are under age 70½  for the tax year that you are contributing and have earned income. Traditional IRA owners must begin taking distributions when he/she is 70½ years of age.


Tax Year Contribution Limit
2015 $5,500  ($6,500 for catch-up contributors age 50 and over)
2016 $5,500  ($6,500 for catch-up contributors age 50 and over)


Open a Traditional IRA

Open a Traditional IRA at any MSUFCU branch, or visit our IRA Service Center by clicking the button below. 


MSUFCU Routing Number: 272479663

ComputerLine - Protected by TrulyU®

Forgot Username? Forgot Password?